YES Bank offers a number of credit cards that are designed to provide a host of rewards and benefits like discount vouchers on dining, entertainment, travel, etc. YES Bank also offers a select range of premium credit cards in partnership with American Express. Let us understand the features and benefits of Yes Bank credit cards in some detail-

This is a premium card with exclusive lifestyle benefits. The features and benefits of the card are as follows-

The annual fee for the first year is Rs. 1,000 plus taxes and thereafter the annual fee every year is Rs. 4,500 plus taxes.

Earn 1,000 bonus reward points if the card is used at least 6 times in a month with each transaction worth Rs. 1,000 or more.

5,000 reward points when the card is renewed after the first year.

Exclusive benefits on travel bookings made form MakeMyTrip.com.

No pre-defined credit limit so that the customer can enjoy unlimited access to funds.

By using the card for the day-to-day expenses, the customer can win Rs. 1,000 worth of movie tickets every month.

1 reward point for every Rs. 50 spent on the card which can be redeemed against the 18-carat and 24-carat Gold Collection rewards.

For 24,000 worth of points, the customer can access the 24 carat Gold Collection and for 18,000 points, the 18 carat Gold Collection is available which includes a Tissot watch, MakeMyTrip Holiday Voucher, American Express Gift card worth Rs.10,000 and BOSE Music Systems.

The points can also be redeemed against 500+ attractive options including leading airlines, hotels, electronics and more

To make banking services easier and user friendly, YES Bank has introduced credit card tracking application tool so anyone can track their application anytime without any hassles. Below mentioned is a guide to apply for YES Bank credit cards:

STEP 3 – Once you fill your details, a list of credit cards will be shown to you. You can select the bank along with your eligibility. If your financial profile meets with that of the bank’s criteria, you can apply for that credit card

STEP 4 – Once you proceed and complete your credit card application, the bank will review and process it further. If your application is approved from bank’s end, it will be dispatched to the given address

To check the status of your credit card application, you can visit YES Bank credit card application status page. Your registered mobile number and application reference number will be asked post which the bank will be able to tell the status of your credit card application. You can get the following results:

In Process – This means the bank is reviewing your credit card application

On Hold – This means your credit card application is put on hold due to any missing documents or information

Dispatched – Your credit card application has been approved and is dispatched to the address mentioned. You should receive the credit card within 7-10 working days

Rejected – The bank can reject your credit card based on different reasons varying from low credit score or not meeting the eligibility criteria

YES Bank credit card users can earn reward points every time they use their card. The rate of reward earning varies from one card to another on the basis of spends category. The bank may also offer bonus rewards for reaching a certain spending milestone.

The following table shows reward earnings on top 5 YES Bank credit cards-

YES Bank Credit Card

Reward Points

Bonus Rewards

YES FIRST Preferred

8 Reward Points per Rs.100

20,000 Bonus Reward Points on achieving spends of Rs. 7.5 Lakh or more in each anniversary year.

YES Prosperity Edge

3 Reward Points per Rs.100

4 Reward Points per Rs.100 for online spending

5 Reward Points per Rs.100 on international spends

15,000 Bonus Reward Points on achieving spends of Rs. 6 Lakh or more in each anniversary year

YES Prosperity Rewards Plus

2 Reward Points per Rs.100

4 Reward Points per Rs.100 for online & dining spending

4 Reward Points per Rs.100 on international spends

12,000 Bonus Reward Points on achieving spends of Rs. 3.6 Lakh or more in each anniversary year

YES FIRST BUSINESS Card

6 Reward Points per Rs.100

9 Reward Points per Rs.100 on dining and online spends

20,000 Reward Points on achieving annual spends of Rs.12 Lakh or more in each anniversary year

YES Prosperity BUSINESS Card

4 Reward Points per Rs.100

6 Reward Points per Rs.100 on dining and online spends

10,000 Reward Points on annual spends of Rs.6 Lakh or more in each anniversary year

YES Bank Rewards Redemption

YES Bank offers its credit card users a wide variety of vouchers and merchandise when they wish to redeem their accumulated reward points. On some credit cards, the reward points can also be converted to air miles. The bank has a dedicated website for reward point redemption. Here the users can find a handpicked catalogue of products against which their reward points can be redeemed.